Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets
DRCRELEXFOBS • Economic Data from Federal Reserve Economic Data (FRED)
Latest Value
1.09
Year-over-Year Change
94.64%
Date Range
1/1/1991 - 1/1/2025
Summary
This economic indicator tracks the percentage of commercial real estate loans that are past due among smaller banks in the United States. It serves as a critical barometer of credit risk and financial health in the commercial property sector.
Analysis & Context
This economic indicator provides valuable insights into current market conditions and economic trends. The data is updated regularly by the Federal Reserve and represents one of the most reliable sources for economic analysis.
Understanding this metric helps economists, policymakers, and investors make informed decisions about economic conditions and future trends. The interactive chart above allows you to explore historical patterns and identify key trends over time.
About This Dataset
The delinquency rate provides insight into the performance of commercial real estate lending by smaller financial institutions. Economists use this metric to assess potential stress in the commercial property market and potential risks to banking sector stability.
Methodology
Data is collected through regulatory reporting by banks not among the 100 largest in total assets, tracking loans that are 30 days or more past due.
Historical Context
This trend is used by policymakers, investors, and financial analysts to evaluate credit market conditions and potential economic vulnerabilities.
Key Facts
- Measures loan performance for smaller banks' commercial real estate portfolios
- Indicates potential credit market stress and economic challenges
- Provides insights into regional and sectoral economic health
FAQs
Q: What does a rising delinquency rate indicate?
A: A rising rate suggests increasing financial stress in the commercial real estate sector, potentially signaling economic challenges or market downturn.
Q: Why focus on banks not among the 100 largest?
A: Smaller banks often have more localized lending practices, providing a nuanced view of regional economic conditions and credit markets.
Q: How is the delinquency rate calculated?
A: It represents the percentage of total commercial real estate loans that are 30 days or more past due, divided by the total value of such loans.
Q: How do policymakers use this data?
A: Regulators and central bankers use this trend to assess potential risks in the banking sector and inform monetary and regulatory decisions.
Q: How frequently is this data updated?
A: The Federal Reserve typically updates this data quarterly, providing a current snapshot of commercial real estate loan performance.
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Citation
U.S. Federal Reserve, Delinquency Rate on Commercial Real Estate Loans (Excluding Farmland), Booked in Domestic Offices, Banks Not Among the 100 Largest in Size by Assets [DRCRELEXFOBS], retrieved from FRED.
Last Checked: 8/1/2025